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ATM skimming schemes involve installing fraudulent equipment that criminals use to steal credit and debit card numbers and PINs. Industry estimates calculate that ATM fraud costs banks and consumers billions of dollars annually. Here are a few things to look for the next time you need to hit the ATM.

With a reader in place that is used to record the credit or debit card information, now all the thief needs to use it is a PIN. Shoulder-surfing thieves that are part of the skimming operation often stand behind and watch customers key in PINs.

Another piece of equipment used in ATM skimming is a keypad overlay, which is a fairly new technique that often replaces the hidden camera, according to FBI.gov. Circuitry inside the phony keypad records the strokes and retains the PIN number for future theft.

The FBI also warns credit and debit card users to be aware that skimming doesn’t just take place at ATMs. Gas pumps and other point-of-sale locations where customers swipe their cards and enter their PIN are also potential targets for fraudulent equipment. If it doesn't look right, don't use it.